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Become A General Adjuster

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Working As A General Adjuster

  • Identifying Objects, Actions, and Events
  • Interacting With Computers
  • Getting Information
  • Documenting/Recording Information
  • Processing Information
  • Unpleasant/Angry People

  • Mostly Sitting

  • Make Decisions

  • Stressful

  • $74,350

    Average Salary

What Does A General Adjuster Do At Travelers

* Adjusting/co-adjusting/ supervising large, complex property claims.
* Participating as storm team member to handle large storm/catastrophe losses.
* Consulting with the field offices on issues of coverage and damages.
* Evaluating and investigating fraud and arson cases; directing/ managing investigations with experts.
* Qualifying as expert and testifying as to findings in court as appropriate.
* Selecting and supervising legal counsel for litigation management.
* Investigate facts of loss and coverage; evaluating, negotiating or declining settlement of claim.
* Developing scope of building and contents losses; writing repair estimates and direct scope of loss; securing agreed prices with contractors; evaluating losses and assessing the types of experts needed.
* Contacting and managing experts.
* Investigating, recognizing and developing subrogation and salvage recovery potential.
* Communicating claim status and summarizing claim activities to field offices.
* Training one-on-one in co-adjusted claims, including taking a claim rep or supervisor to loss site.
* Conducting field office training sessions and/or coordinating the training needs of the field offices.
* Establishing and operating storm offices in situations that do not qualify for a CAT coordinator/ supervisor at request of field office.
* Interacting with agents and brokers on a regional basis for customer service.
* Supporting marketing departments in attracting and retaining crucial SAM/CAM accounts.
* Providing ongoing counsel regarding conflict/problem resolution and verification of work performance goals.
* In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements.
* Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.
* Other duties as assigned.
* Job Opening ID:
* BR
* Environmental/Work Schedules/Other:
* Incumbents who fill this position will be subject to periodic post-hire criminal background checks while employed in this position.
* As a condition of acceptance for the position, selected candidates for this position will be required to electronically accept the Fair Credit Reporting Act (FCRA) Disclosure Statement and Authorization included in the online employment application.
* May also be subsequently asked to accept similar FCRA authorizations periodically throughout your employment with the Company.
* This position will require participation in our Catastrophe Response Program which could include deployment away for a minimum of 16 days which includes 2 travel days to assist our customers in other states.
* This position requires the individual to access and inspect all areas of a building or structure which is physically demanding requiring the ability to carry, set up and climb a ladder weighing approximately 38 to 49 pounds with a safety weight rating of up to 300 pounds (safety weight rating is the amount of weight the ladder can safely carry and includes weight of the individual and up to 16 pounds of standard equipment), walk on roofs, and enter tight spaces (such as attic staircases and entries, crawl spaces, etc.).
* While specific territory or day-to-day responsibilities may not require an individual to climb a ladder, the incumbent must be capable of safely climbing a ladder when deploying to a catastrophe which is a requirement of the position.
* This is a virtual position.
* Equal Employment Opportunity Statement:
* Travelers is an equal opportunity employer

What Does A General Adjuster Do At Combined Insurance

* Large Loss Handling in the Midwest Region (this would be a region wide position so anywhere in the Western Territory etc.)
* This individual will report directly into the Assistant Vice President of Large Loss Property Claims.
* The position will have regular interaction with other functional disciplines at both a corporate and claim region level.
* Key responsibilities and essential skills are listed below.
* KEY RESPONSIBILITIES AND ESSENTIAL FUNCTIONS
* Large Loss:
* Handle 3 to 5 new/transferred large personal lines and commercial lines losses per month with loss exposure of $250,000 to $5M .
* Properly scope and estimate large loss exposures.
* Negotiate settlements with insured in accordance with recommended best practices guidelines and limits of authority.
* Coordinate with lead adjusters/managers on pending claim files requiring additional investigation, confirmation of coverage on our largest claims
* Assist in handling claims, when necessary, during CAT execution.
* Assist in overseeing contractor referral program, including re-inspections and quality reviews.
* Provide leadership/coaching to the local region as a senior level field representative.
* Manage preferred vendors, which includes driving continuous quality improvement

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How To Become A General Adjuster

A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator. Higher level positions may require a bachelor’s degree or some insurance-related work experience. Auto damage appraisers typically have either a postsecondary nondegree award or work experience in identifying and estimating the cost of automotive repair.

Education

A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator. However, employers sometimes prefer to hire applicants who have a bachelor’s degree or some insurance-related work experience or vocational training. Auto damage appraisers typically have either a postsecondary nondegree award or experience working in an auto repair shop, identifying and estimating the cost of automotive repair.

The varying types of work in these occupations can require different backgrounds or different college coursework. For example, a business or an accounting background might be best for someone who wishes to specialize in claims of financial loss due to strikes, equipment breakdowns, or merchandise damage. College training in architecture or engineering is helpful for adjusting industrial claims, such as those involving damage from fires or other accidents. A legal background is beneficial to someone handling workers’ compensation and product liability cases. A medical background is useful for examiners working on medical and life insurance claims.

Although auto damage appraisers are not required to have a college education, most companies prefer to hire people who have the formal training, experience, or knowledge and technical skills to identify and estimate the cost of automotive repair. Many vocational schools and some community colleges offer programs in auto body repair and teach students how to estimate the cost of repairing damaged vehicles.

For investigator jobs, a high school diploma or equivalent is the typical education requirement. Most insurance companies prefer to hire people trained as law enforcement officers, private investigators, claims adjusters, or examiners, because these workers have good interviewing and interrogation skills.

Training

At the beginning of their careers, claims adjusters, examiners, and investigators work on small claims, under the supervision of an experienced worker. As they learn more about claims investigation and settlement, they are assigned larger, more complex claims.

Auto damage appraisers typically get on-the-job training, which may last several months. This training usually involves working under the supervision of a more experienced appraiser while estimating damage costs, until the employer decides that the trainee is ready to do estimates on his or her own.

Licenses, Certifications, and Registrations

Licensing requirements for claims adjusters, appraisers, examiners, and investigators vary by state. Some states have few requirements; others require either completing prelicensing education or receiving a satisfactory score on a licensing exam (or both).

In some states, claims adjusters employed by insurance companies do not have to become licensed themselves because they can work under the company license.

Public adjusters may need to meet separate or additional requirements.

Some states that require licensing also require a certain number of continuing education credits per year to renew the license. Federal and state laws and court decisions affect how claims must be handled and what insurance policies can and must cover. Examiners working on life and health claims must stay up to date on new medical procedures and the latest prescription drugs. Examiners working on auto claims must be familiar with new car models and the most recent repair techniques. In order to fulfill their continuing education requirements, workers can attend classes or workshops, write articles for claims publications, or give lectures and presentations.

Important Qualities

Analytical skills. Adjusters and examiners must both evaluate whether the insurance company is obligated to pay a claim and determine the amount to pay. Adjusters must carefully consider various pieces of information to reach a decision.

Communication skills. Claims adjusters and investigators must get information from a wide range of people, including claimants, witnesses, and medical experts. They must know the right questions to ask in order to gather the information they need.

Detail oriented. Adjusters, appraisers, examiners, and investigators must carefully review documents and damaged property, because small details can have large financial consequences.

Interpersonal skills. Adjusters, examiners, and investigators often meet with claimants and others who may be upset by the situation that requires a claim or by the settlement the company is offering. These workers must be understanding, yet firm with their company’s policies.

Math skills. Appraisers must be able to calculate property damage.

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General Adjuster jobs

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Top Skills for A General Adjuster

LargeLossComplexCoverageIssuesIndependentAdjustersAutoLiabilityComplexPropertyClaimsGeneralLiabilityClaimsPropertyDamagePropertyLossesDefenseCounselCatastropheClaimsXactimateTerritoryBodilyInjuryClaimsCustomerServiceInsuranceCompanyPersonalLinesProductsLiabilityConstructionDefectClaimsPartyPropertyAdditional

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Top General Adjuster Skills

  1. Large Loss
  2. Complex Coverage Issues
  3. Independent Adjusters
You can check out examples of real life uses of top skills on resumes here:
  • Adjust large losses including fires and water losses.
  • Reviewed, analyzed and resolved complex coverage issues under ISO and manuscript forms.
  • Supervised independent adjusters and also traveled to conduct inspections.
  • Investigate general and auto liability accidents review medical bills and records negotiate with attorneys to bring settlement to accidents
  • Handle Fast Food Restaurant General Liability Claims.

Top General Adjuster Employers